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Released: May 02, 2005
Help Desk FAQ
How can I dispute a credit card charge?
Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute such billing mistakes as:
- charges not authorized by you
- charges listing the wrong price
- charges for items that were never received or accepted, or that were returned
- accounting errors
- charges where you have requested written proof of purchase
If you notice an error on your bill, under the FCBA you have 60 days from the date of the statement to file a written dispute with the creditor. Calling will not protect your rights. The creditor has 30 days from receipt of your letter to acknowledge your claim, after which it has two billing cycles or 90 days to either correct the error or inform you why it feels the charge is accurate.
If the creditor decides that the charge is accurate, you have 10 days from that notice to inform the creditor that you still refuse to pay the bill. At this point, the creditor can start collection proceedings and report you to the credit bureaus, but it must inform the bureau that you are refusing to pay the bill because of a dispute.
To file a formal complaint against a credit card company, contact the Consumer Financial Protection Bureau (CFPB) at 855-411-CFPB (2372) or http://www.consumerfinance.gov.
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